Comparison

ČSOB Smart klíč vs IBIS InGold

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ČSOB Smart klíč

Securely log in and confirm transactions for online banking and e-commerce. This app offers biometric authentication like Face ID or fingerprint, eliminating the need for SMS codes. It also provides offline transaction confirmation and a branch/ATM locator.

Highlights
  • Secure login and payment confirmation
  • Biometric authentication (Face ID, fingerprint)
  • Offline transaction confirmation
  • Remote verification for calls
  • Branch and ATM locator
  • Supports mobile phones and tablets
Features
Read full description

The ČSOB Smart Key will make it easier for you to log in and confirm payments in internet banking, as well as card payments in e-shops, or remote verification when calling the Infoline or a bank branch. You don't have to wait for a confirmation SMS and then rewrite the code from it. With the Smart Key, notifications will pop up immediately and you will confirm the request with a Face ID, fingerprint, or numerical PIN. Why to use ČSOB Smart Key application: • Conveniently log in and confirm the payment in internet banking • Easily confirm card payments on the Internet • The app can verify you remotely when calling the Infoline or bank branch • You can use a Face ID or fingerprint instead of a numerical PIN • Authentication complies with bank-grade security standards • Being offline is not a problem: app works also offline for confirming transactions in internet banking • A map of branches and ATMs is a part of the app • You can install it on both your mobile phones and tablets After downloading, simply activate the application in internet banking. For more information visit page https://www.csob.cz/smartkey

About

IBIS InGold

Securely pay and receive payments using gold, bypassing traditional currency. Manage your gold balances, make fast payments via QR code or NFC, and confirm transactions with robust security features.

Highlights
  • Pay with gold
  • Send and receive gold payments
  • QR code payments
  • NFC payments
  • Biometric authentication
  • Manage multiple user accounts
  • Overview of gold balances
Features
Read full description

Pay with gold safely and conveniently. Pay with gold from anywhere in seconds. Send and receive payments in gold, regardless of any currency. With the IBIS InGold app, you have the world of gold in your pocket. SECURITY ABOVE ALL The IBIS InGold app complies with the latest security standards. Access to the app is protected by PIN code or biometric authentication. PERFECT OVERVIEW At your hand, you have an overview of available balances in your weight accounts, purchases, payments received and withdrawals made. You can manage multiple user accounts with one app. FAST PAYMENT You can pay by scanning a QR code, and with merchants, you can also use NFC payments. QR codes with Pay Me functionality are available. Gold payments are made online. CONFIRMATION OF PAYMENTS ENTERED In the application you securely confirm the payouts you will make from your gold accounts. Of course, that's not all. Download the app and discover for yourself what it can do.

Screenshots

ČSOB Smart klíč4 screens
IBIS InGold4 screens

Verdict

The call

The clearest difference is update cadence: IBIS InGold at every 2 weeks against ČSOB Smart klíč's every 6 weeks. ČSOB Smart klíč's advantage is review sentiment (33% vs 25%). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

ČSOB Smart klíč ships an update every 6 weeks, IBIS InGold every 2 weeks. The most recent releases landed on August 19, 2026 and June 1, 2026 respectively.

Scorecard2 real differences · 8 level
ČSOB Smart klíč versus IBIS InGold: the parameters behind the verdict, then further details
ParameterČSOB Smart klíčIBIS InGold
PriceFreeFree
Rating4.3 (32 ratings) — better—
Positive reviews33.3% of reviews — better25.0% of reviews
Number of ratings32 — better—
Update frequencyEvery 6 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPad, iPod
Requires iOS15.0 — better16
Further details — not scored
Size113 MB44 MB
Age rating4+4+
DeveloperČeskoslovenská obchodní banka, a.s.IBIS InGold a.s

Customer experience

ČSOB Smart klíč

All ratings32 ratings
Positive84.4%
Neutral0.0%
Negative15.6%
Written reviews12 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

IBIS InGold

Written reviews4 reviews
Positive25.0%
Neutral25.0%
Negative50.0%

In-app purchases

None

ČSOB Smart klíč

No in-app purchases

None

IBIS InGold

No in-app purchases

Questions

Is ČSOB Smart klíč free?
ČSOB Smart klíč is free to download, with no in-app purchases.
Is IBIS InGold free?
IBIS InGold is free to download, with no in-app purchases.
Do ČSOB Smart klíč or IBIS InGold have ads?
Neither ČSOB Smart klíč nor IBIS InGold shows ads.
Which is updated more often, ČSOB Smart klíč or IBIS InGold?
ČSOB Smart klíč ships an update every 6 weeks, and IBIS InGold every 2 weeks. Most recently, ČSOB Smart klíč was updated on August 19, 2026 and IBIS InGold on June 1, 2026.

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